August 2010
This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.

	Minimum Opening Deposit	Minimum Balance to Obtain APY	APY
Personal Money Market Accountb
$2,500.00 - 4,999.99	$2,500.00	$2,500.00 c	0.35%
$5,000.00 - 24,999.99	$5,000.00	$5,000.00 c	0.35%
$25,000.00 - 49,999.99	$25,000.00	$25,000.00 c	0.60%
$50,000.00 - 99,999.99	$50,000.00	$50,000.00 c	0.85%
$100,000.00 - 9,999,999.99	$100,000.00	$100,000.00 c	1.00%
Business Money Market Accountb
$2,500.00 - 4,999.99	$2,500.00	$2,500.00 c	0.35%
$5,000.00 - 24,999.99	$5,000.00	$5,000.00 c	0.35%
$25,000.00 - 49,999.99	$25,000.00	$25,000.00 c	0.60%
$50,000.00 - 99,999.99	$50,000.00	$50,000.00 c	0.85%
$100,000.00 - 9,999,999.99	$100,000.00	$100,000.00 c	1.00%
Personal Statement Savings Accountb
up to $249.99	$100.00		0.50%
$250.00 - 4,999.99	$100.00		0.50%
$5,000.00 and up	$100.00		0.50%
Minor Statement Savings Accountb
up to $49.99	$50.00		0.50%
$50.00 - 249.99	$50.00		0.50%
$250.00 - 4,999.99	$50.00		0.50%
$5,000.00 and up	$50.00		0.50%
Business Statement Savings Accountb
up to $249.99	$100.00		0.50%
$250.00 - 4,999.99	$100.00		0.50%
$5,000.00 and up	$100.00		0.50%
Business Interest Checking Accountb
	$100.00	$2,500.00 c	0.10%
Free Interest Checking Accountb
$1,000.00 and up	$100.00	$1,000.00 c	0.10%
Premier Interest Checking Accountb
$10,000.00 - 24,999.99	$10,000.00	$10,000.00 c	0.15%
$25,000.00 - 49,999.99	$10,000.00	$10,000.00 c	0.30%
$50,000.00 and up	$10,000.00	$10,000.00 c	0.55%
Certificate of Deposit
3 Montha	$1,000.00	$1,000.00 c	0.45%
6 Montha	$1,000.00	$1,000.00 c	0.75%
9 Montha	$1,000.00	$1,000.00 c	0.75%
12 Montha	$1,000.00	$1,000.00 c	1.00%
18 Montha	$1,000.00	$1,000.00 c	1.15%
24 Montha	$1,000.00	$1,000.00 c	1.35%
36 Montha	$1,000.00	$1,000.00 c	1.80%
48 Montha	$1,000.00	$1,000.00 c	2.10%
60 Montha	$1,000.00	$1,000.00 c	2.30%

^a A penalty will be imposed for early withdrawal.
^b The interest rate and annual percentage yield may change after account opening.
^c Daily balance. The amount of the principal in the account each day.

Fees could reduce the earnings on the account.
For current rate information call (815) 463-7002 or (815) 806-7001